📖 Official User Guide
PPF Calculator India 2026 — Maturity Amount & Yearly Returns at Current 7.1% Rate — Step-by-Step Guide
Learn why PPF is one of India's favorite tax-saving investment schemes and how to use our calculator to plan your wealth.
What is PPF?
Public Provident Fund (PPF) is a popular long-term investment scheme backed by the Government of India. It offers attractive interest rates and returns that are fully exempt from tax, making it an excellent choice for retirement planning.
PPF Rules at a Glance
- Lock-in Period: 15 years (can be extended in blocks of 5 years).
- Min/Max Investment: ₹500 to ₹1,50,000 per financial year.
- Tax Benefit: Contributions are deductible under Section 80C.
- Safety: Highest safety as it is government-backed.
How to Use the PPF Calculator
- Investment Type: Choose "Yearly" for once-a-year deposits or "Monthly" for regular savings.
- Set Deposit Amount: Move the slider to your intended investment amount.
- Stay Updated: Interest rates are set by the government quarterly (currently ~7.1%).
- View Breakdown: Our calculator provides a detailed year-by-year table showing opening balance, interest earned, and closing balance.
Frequently Asked Questions
When is PPF interest calculated?
Interest is calculated monthly on the lowest balance between the close of the 5th day and the last day of every month. For maximum returns, invest before the 5th of each month.
Can I withdraw PPF money early?
Partial withdrawals are allowed after 7 financial years from the year of opening, subject to specific limits and conditions.